Current 30 year conforming mortgage rates and conforming refinance rates are averaging 4.80 percent, up from last week’s average 30 year mortgage rate and refinance rate of 4.77 percent. 30 year mortgage rates and refinancing rates in Rhode Island are even lower. 30 year conforming interest rates in Florida are higher than the national average. Today's 30 year loan rates in Florida are averaging 4.88 percent.

Search our mortgage rate and refinance rate tables at MortgageRates.MonitorBankRates.com for the best rates in your state.

15 year mortgages rates and refinance rates are averaging 4.10 percent, up from last week when 15 year mortgage rates and refinancing rates averaged 4.08 percent. 15 year mortgage and refinance rates in Oklahoma are higher than the national average interest rate. Current 15 year mortgage loan rates in Oklahoma are averaging 4.14 percent.

Loan Type

Purchase Refinance with Cash out Refinance

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Show Advertiser Disclosure

The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

Lender

APR / Rate

Fees / Points

Payment

NMLS #1835285

5.353%

15-Year Fixed

5.125%

$6,000

Includes 1.000 points for $4,000

Lender Fees: $2,000

$3,190 /mo

Next >

NMLS #2273319

5.428%

15-Year Fixed

5.125%

$7,995

Includes 0.750 points for $3,000

Lender Fees: $4,995

$3,190 /mo

Next >

NMLS #401822

5.554%

15-Year Fixed

5.250%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$3,216 /mo

Next >

NMLS #1025894

5.634%

15-Year Fixed

5.490%

$3,760

Includes 0.765 points for $3,060

Lender Fees: $700

$3,267 /mo

Next >

NMLS #6606

5.884%

15-Year Fixed

5.740%

$3,732

Includes 0.933 points for $3,732

Lender Fees: $0

$3,320 /mo

Next >

NMLS #1835285

6.266%

30-Year Fixed

6.125%

$6,000

Includes 1.000 points for $4,000

Lender Fees: $2,000

$2,431 /mo

Next >

NMLS #2273319

6.312%

30-Year Fixed

6.125%

$7,995

Includes 0.750 points for $3,000

Lender Fees: $4,995

$2,431 /mo

Next >

NMLS #2273319

6.315%

5-Year ARM

6.125%

$8,131

Includes 0.784 points for $3,136

Lender Fees: $4,995

$2,431 /mo

Next >

NMLS #1835285

6.371%

5-Year ARM

6.250%

$5,112

Includes 0.778 points for $3,112

Lender Fees: $2,000

$2,463 /mo

Next >

NMLS #1025894

6.582%

30-Year Fixed

6.490%

$3,856

Includes 0.789 points for $3,156

Lender Fees: $700

$2,526 /mo

Next >

NMLS #6606

6.715%

30-Year Fixed

6.625%

$3,708

Includes 0.927 points for $3,708

Lender Fees: $0

$2,562 /mo

Next >

NMLS #401822

6.746%

30-Year Fixed

6.625%

$4,995

Includes 0.750 points for $3,000

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #3030

6.784%

15-Year Fixed

6.625%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,512 /mo

Next >

NMLS #3030

7.476%

30-Year Fixed

7.375%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,763 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

30 year jumbo mortgage rates and jumbo refinance rates are averaging 5.34 percent, up from last week’s average jumbo loan rate of 5.29 percent. Average 30 year jumbo loan rates and jumbo refi rates in Wisconsin are also at 5.34 percent.

Current 15 year jumbo interest rates and jumbo refi rates are averaging 4.65 percent, down from the prior week’s average jumbo mortgage loan rate of 4.71 percent. 15 year jumbo mortgage rates and refinancing rates in Indiana are lower than the national average. Today's 15 year  jumbo rates in Indiana are averaging 4.54 percent.

Refinance Rates & Mortgage Rates

Conforming Adjustable Mortgage Rates and Conforming Adjustable Refinance Rates

The current refinancing rate and mortgage rate on 1 year adjustable rates are averaging 3.11 percent, down from last week’s average 1 year adjustable home mortgage refi rate and loan rate of 3.14 percent.

3 year adjustable mortgage refinance rates and adjustable mortgage rates are averaging 3.54 percent, up from last week’s average 3 year adjustable mortgage rate of 3.47 percent.

Current refinance rates and mortgage rates on 5 year ARMs are averaging 3.31 percent, up from the prior week’s average rate of 3.17 percent.

Today’s refinance mortgage rates and mortgage rates on 7 year adjustable home loans are averaging 3.72 percent, up from the previous week’s average 7 year loan rate of 3.54 percent.

10 year adjustable mortgage loan rates are averaging 4.25 percent this week, up from last week’s average 10 year adjustable rate of 4.18 percent. Current mortgage refinance rates on 10 year home loans are also averaging 4.25 percent.

Adjustable Jumbo Refinance Rates and Jumbo Loan Rates

Today 1 year jumbo adjustable loan rates are averaging 4.05 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan rate. Refinance rates on 1 year jumbo mortgages are also averaging 4.05 percent.

3 year adjustable jumbo rates are averaging 4.16 percent, down from last week’s average 3 year jumbo adjustable rate of 4.54 percent. Current refinance interest rates on 3 year jumbo loans are also lower, averaging 4.16 percent.

5 year adjustable jumbo interest rates today are averaging 3.73 percent, up from last week’s average jumbo adjustable rate of 3.59 percent. Today’s refinancing mortgage interest rates are also averaging 3.73 percent.

7 year jumbo adjustable loan rates are averaging 4.29 percent, up from last week’s average 7 year adjustable home loan rate of 4.25 percent. 7 year jumbo refinance loan rates are also higher at 4.29 percent.

10 year jumbo loan rates are averaging 4.93 percent, up from the prior week’s average 10 year jumbo home loan rate of 4.89 percent. 10 year jumbo refinance interest rates are also higher, averaging 4.93 percent.

Conforming Interest Only Adjustable Mortgage Rates and Adjustable Interest Only Refi Rates

3 year interest only adjustable mortgage loan rates are averaging 3.64 percent, up from last week’s average interest only mortgage loan rate of 3.57 percent. 3 year interest only adjustable refinance mortgage rates are also averaging 3.64 percent.

5 year interest only ARMs are averaging 3.31 percent, up from last week’s average five year interest only mortgage loan rate of 3.29 percent. Current 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.31 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.87 percent, up from last week’s average 7 year interest-only mortgage rate of 3.75 percent. 7 year adjustable refi loan rates are averaging 3.87 percent.

Interest Only Jumbo Refinancing Rates and Interest Only Jumbo Loan Rates

3 year jumbo interest only adjustable loan rates are averaging 4.46 percent, down from last week’s average jumbo adjustable interest only rate of 4.71 percent. 3 year interest only adjustable jumbo refi rates are also averaging 4.46 percent.

5 year adjustable jumbo interest only rates are averaging 4.08 percent, up from last week’s average IO home mortgage interest rate of 4.03 percent. 5 year jumbo adjustable IO loan rates are also averaging 4.08 percent.

7 year jumbo interest only adjustable rates are averaging 4.54 percent, down from last week’s average jumbo 7 year home loan rate of 4.58 percent. Current 7 year jumbo adjustable interest-only rates are also averaging 4.54 percent.

Home Equity Loan Rates Today

10 year home equity loan rates are averaging 6.65 percent, no change from last week’s average home equity loan rate.

15 year home equity rates are averaging 7.03 percent, up from the prior week’s average home equity loan rate of 6.91 percent.

Current Home Equity Line of Credit Rates (HELOC)

Home equity line of credit rates are averaging 5.13 percent, no change from last week’s average rate HELOC rate.